Track every rupee.
Just text WhatsApp.
XpenseDiary listens to how you talk — scan receipts, split bills, or just type "spent ₹200 on petrol" and it handles the rest. No app download. No bank login.
No bank passwords. No UPI PINs. No OTPs. Send an expense on WhatsApp and we'll track it for you.
| Description | Category | Amount | Date |
|---|---|---|---|
| Dinner with team | Food & Dining | ₹450 | 9:41 AM |
| Petrol refill | Petrol & Fuel | ₹200 | Yesterday |
| Chai & samosa | Food & Dining | ₹80 | Sep 28 |
| Grocery supermarket | Groceries | ₹1,200 | Sep 25 |
Zero friction. 3 steps.
No 5-step forms after every cup of chai. You text, AI does the work.
Text or Audio on WhatsApp
Message the bot anytime: Spent 500 on groceries, 250 lunch, or send a 3-second voice note from your bike.
AI Categorizes in Real-Time
Google Gemini AI extracts merchant, amount, and date — assigns the exact category in milliseconds. No manual input ever.
Monitor Budgets & Trends
Get WhatsApp alerts before you overspend. Visualize your month on a clean, interactive web dashboard.
How does zero-friction WhatsApp expense logging work?
No app to unlock. No category dropdowns. Just open WhatsApp — the app you're already using 47 times a day — and type or talk your expense naturally. Our hybrid pipeline matches known queries in 50ms and invokes Gemini AI for unstructured messages.
Try it now →
How do proactive WhatsApp budget alerts prevent overspending?
Set monthly limits per category with a single command like budget food 5000. Get a proactive WhatsApp ping at 80% — not an unpleasant surprise at 110%. Know exactly how much room you have left at every transaction.
How does Gemini Vision AI scan receipts from WhatsApp photos?
Take a photo of any paper or digital receipt — restaurant bill, pharmacy invoice, or supermarket slip. Gemini 2.5 Flash extracts vendor name, line total, and transaction date in 1.2 seconds automatically.
Gemini Vision OCR
How do you track income and calculate net financial balance (Hisab)?
Log income on the fly by sending +15000 freelance payment or salary 50000. Text hisab today, hisab week, or hisab month to receive a real-time consolidated ledger detailing total credit, total debit, and net cash balance.
Built for daily Indian life
Everything you need to master personal finances — without it ever feeling like a chore.
Voice Notes Logging
Driving, walking, or carrying groceries? Send a voice note — AI transcribes and logs the expense in seconds.
3-Tier Smart Categorization
Exact match → 400-keyword local dictionary → Gemini AI fallback. Instant for common expenses, intelligent for unusual ones.
Receipt OCR Scanning
Upload digital bills or paper receipts. AI accurately extracts vendor name, date, and final total. Works on WhatsApp image messages.
Proactive Budget Warnings
Set category budgets (budget food 5000). Get WhatsApp alerts at 80% and 100% of your limits — before overspending.
Savings Goals on Chat
Create goals with goal Vacation 50000 and contribute anytime with goal add Vacation 500. Track on your dashboard.
Data Encryption & Isolation
Encrypted in transit (TLS 1.3) and at rest. We never ask for bank credentials, UPI PIN, CVV, or OTP. Only what you text our bot is processed.
Built for financial privacy.
Not vague promises.
Financial tools handling personal spending records should demonstrate security, not just claim it. Here is exactly what happens behind the scenes.
What happens when you send an expense?
You text Lunch ₹250 or forward an SMS to our verified WhatsApp Business assistant.
WhatsApp delivers the message to our Meta WhatsApp Cloud API endpoint over an encrypted webhook.
Our server processes the message over TLS 1.3 encryption and extracts amount, merchant, and category.
The structured record is saved to your isolated account. Your raw WhatsApp chat history is not archived.
We reply in <1s with your updated budget and an immediate undo option if you made a mistake.
Export your entire history to CSV anytime or wipe your account permanently with 1-click in Settings.
- Meta (WhatsApp Business Cloud API): Used strictly for delivering incoming and outgoing WhatsApp messages.
- Google Gemini & Groq: Used for natural language parsing and receipt OCR. Processed statelessly via commercial APIs; neither Google nor Groq uses your financial data to train public models.
- Encrypted Database: Hosted in isolated cloud infrastructure with daily automated offsite backups.
We Will NEVER Ask For:
- ❌ UPI PINs
- ❌ Bank passwords or Netbanking login
- ❌ One-Time Passwords (OTPs) for your cards/bank
- ❌ Debit or credit card numbers, CVVs, or expiry dates
- ❌ Direct read/write access to your bank accounts
- ❌ Access to your private contacts or phone storage
What We Actually Collect:
- ✓ Your WhatsApp phone number (for identity & account lookup)
- ✓ Expense & income messages you send to the bot
- ✓ Extracted transaction amount, date & category
- ✓ Receipt images you voluntarily upload for bill scanning
- ✓ Basic user preferences (currency, timezone, language)
- ✓ That's it — nothing you haven't explicitly texted us.
XPENSEDIARY does not connect to your bank account, scrape your SMS inbox, or monitor background activities. If you choose to forward a bank debit notification:
We extract only the amount and merchant name, log the entry into your private dashboard, and immediately discard the forwarded message text.
Why should I trust XPENSEDIARY?
No. Never. We do not sell, rent, or monetize your spending data. We make money by offering optional premium features, not by compromising your privacy.
No. We have zero connection to your bank. We only see the specific expenses and incomes you choose to log via WhatsApp.
Our dedicated support team is available at support@xpensediary.com (response time <24h) or you can reach out via WhatsApp chat. For security inquiries, write to security@xpensediary.com.
Start free. Scale when you're ready.
No credit card required. Cancel anytime.
- Unlimited WhatsApp expense logging
- AI categorization (text & voice)
- 3 budget categories
- Monthly web dashboard
- 1 savings goal
- Receipt OCR scanning
- Data export (CSV)
- Priority support
- Everything in Free
- Receipt OCR scanning (WhatsApp photos)
- Unlimited budget categories
- Unlimited savings goals
- Advanced analytics dashboard
- Data export (CSV)
- Weekly AI spending insights
- API access
- Everything in Pro
- Up to 5 team members
- Business expense categories
- GST-ready PDF reports
- REST API access
- Webhook integrations
- Dedicated account manager
- Custom onboarding
All plans include WhatsApp logging, AI categorization, and the web dashboard.
XpenseDiary is a conversational personal finance assistant that operates directly inside WhatsApp. Users log daily expenses, track income, monitor budgets, and scan paper receipts by sending natural chat messages, voice notes, or photos. Powered by Google Gemini AI, it automatically categorizes transactions in under 2 seconds without requiring mobile app downloads, net-banking credentials, or background SMS scraping.
+15000 salary or received 3500 client payment. Texting hisab, hisab today, or hisab month returns a consolidated statement detailing total income (credit), total outgoing expenses (debit), and your remaining net balance.
Start tracking in 30 seconds
Join smart spenders who manage their money without app friction. Open WhatsApp and send your first expense — right now.
Free forever · No credit card · Works on any device with WhatsApp